Flow: Machine Activation — Hiro DirectPay

Hiro DirectPay is the lowest-friction activation channel — the customer scans a QR code stuck on the machine, pays through their preferred e-wallet, and the machine starts. No app install, no kiosk, no Hiro account required.

When to Use

DirectPay is the right path when:

• The customer has no Hiro App and doesn't want to install one
• The outlet has no Hiro Kiosk, or the Kiosk is unavailable
• The customer wants to pay with a familiar third-party wallet (incl. Alipay or WeChat Pay)
• The customer is a one-off or occasional user with no need for an account

Flow

Customer arrives at a specific machine
  → Scans the unique QR code physically affixed to that machine
    → Local payment network (DuitNow in Malaysia) opens the chosen e-wallet
      → Customer confirms payment in their e-wallet app
        → Payment gateway settles directly to merchant bank account
          → Hiro Platform receives activation signal
            → Machine starts

QR Code — Per-Machine

Each machine has its own unique QR code physically affixed to it. Scanning the code identifies that exact machine, so the activation goes only to that unit — no machine-picker step required.

Payment Methods (Malaysia)

DirectPay uses DuitNow as the underlying payment network, which routes to virtually any e-wallet, banking app, or card scheme available in Malaysia:

Payment Method	Notes
Touch 'n Go eWallet	Local e-wallet
GrabPay	Local e-wallet
Boost	Local e-wallet
Alipay	Foreign wallet — useful for visitors from China
WeChat Pay	Foreign wallet — useful for visitors from China
FPX	Bank transfer (Malaysian banks)
Visa / Mastercard	Card via DuitNow

The broad acceptance is DirectPay's main strength — foreign visitors and users of any major Malaysian wallet can pay without installing anything Hiro-specific.

Settlement

DirectPay settles directly from the payment gateway to the merchant's bank account — Hiro is not in the fund flow. This matches the Kiosk direct settlement model and is distinct from the App wallet deferred flow.

Trade-offs vs App and Kiosk

DirectPay is intentionally minimal — by design, it does not engage the customer beyond the transaction itself:

Feature	App	Kiosk	DirectPay
Loyalty rewards / campaigns	Yes	Yes	No
Hiro Credit accumulation	Yes	—	No
Customer data captured	Yes	Partial	None
Discount / promotion eligibility	Yes	Yes	No
Refund options	App wallet or bank	App wallet or bank	Source account only

No Customer Data

Hiro does not collect any customer information through DirectPay — the gateway sees the payment, the machine activates, no profile is created. This makes the channel anonymous by design.

No Promotions or Rewards

DirectPay customers do not benefit from Hiro-hosted campaigns, individual loyalty (when launched), or merchant-initiated promotions. The trade-off is intentional: zero friction in exchange for zero engagement.

Refund Constraint — Source Account Only

Because the payment is processed by an external wallet/bank via DuitNow, Hiro has no relationship with the customer beyond the transaction. The only refund path is back to the original source account — e.g. if the customer paid from Touch 'n Go, the refund returns to that same TNG wallet. CS cannot offer alternative refund destinations like App Credit or a different bank account.

Market Availability

Market	Status
Malaysia	Live — via DuitNow
Taiwan	Not yet planned

Related

• Machine Activation — Hiro App
• Machine Activation — Hiro Kiosk
• Payment Integrations